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Scammers particularly use the holiday season to steal your money and information.Hoping consumers will let down their guard, or just trying to spoof legitimate businesses, scammers will do everything they can to take advantage of your vulnerability or generosity.Chase and the Baltimore Police Department recently hosted a scam education event to show consumers how to protect themselves. Some of their tips are listed below.Holiday shopping: What to knowShop with trusted retailers: Stick to reputable websites when shopping online. If you’re unfamiliar with a store, search for its name along with terms like “scam,” “complaints” or “reviews” to uncover any red flags.Verify website URLs: Scammers can create fake websites that look like legitimate retailers. Ensure the URL starts with “https://” as the “s” stands for secure. Avoid clicking links from unsolicited emails or texts.Beware of unrealistic deals: Scammers lure buyers by offering massive discounts on popular or sold-out items. If a deal seems too good to be true, it’s likely a scam.How you pay matters: Credit cards and debit cards offer different protections than cash or payment transfer apps, like Zelle and Venmo. Remember, only use apps like Zelle to pay others you know and trust.Shopping on public Wi-Fi: Avoid connecting to public Wi-Fi when making an online purchase. Scammers can intercept your personal information on unsecured networks.Use digital tools: Trusted financial institutions offer credit and identity monitoring, including alerts to inform you when your data is exposed in a data breach or on the dark web.Online deals that are too good to be trueWhen shopping online or on social media, buy only from trusted websites and vendors. If purchasing on a marketplace, stay on the platform to complete transactions and communicate with sellers, as protections often only apply when you use the platform.Use payment methods that offer buyer protection. Never send money to strangers, particularly via payment-transfer apps like Zelle or Venmo, for purchases, especially when you can’t confirm the goods exist. Missed packages or problems with deliveryExpecting a package? Be cautious of phishing messages through email or text message that impersonate delivery services, like the U.S. Postal Service, UPS or FedEx, with links to view “missed deliveries.” These links may lead to fake sign-in pages to capture your actual password or to malware-infected sites.Do not respond to messages requesting personal or financial information, including money or cryptocurrency. Be wary of unexpected packages and avoid scanning QR codes, as they may be attempts to steal your information.Scams: Fake refunds, quishing, phishing/smishing, whalingRefund scams: Another scam doesn’t demand payment. Instead, it dangles a refund, sometimes via text messages posing as official messages from “Department of Taxation,” urging recipients to “click here to claim your refund.” The texts look legitimate at a glance, but they are designed to lure you into tapping a fraudulent link and handing over personal information. Cybersecurity experts are warning about scammers using QR codes to take advantage of unsuspecting victims. The practice called “quishing” uses a QR code that sends you to a dummy website to get your information — and money.When it comes to phishing, the term is more widely known, but people are still falling for it. Phishing emails or texts (known as “smishing”) attempt to trick a recipient into clicking a suspicious link, filling out information or downloading a malware file.Whaling attacks generally target leaders or other executives with access to large amounts of information at an organization or business. Whaling attacks can target people in payroll offices, human resources and financial offices as well as leadership. Video below: An expert’s tips to avoid falling for QR code scamsGift card scamsBe cautious about buying gift cards from third-party sites. Scammers will pre-save card details or sell expired cards.Don’t respond to an unsolicited email or text message offering you a gift card because it’s often a way to track your online activity.Don’t fall for scammers asking you to pay for services or goods using gift cards.Video below: Guide to selling gift cards securely onlinePhony charitiesThe holidays are also a season of giving, but before you donate money, double-check the contact and payment information for a charity.Beware of text, email or phone call solicitations. Like any other unsolicited message, don’t click on links or open attachments because they may contain malware or try to steal your information.Travel scamsScammers try to mimic or impersonate popular travel websites by recreating familiar branding, logos or company verbiage.As part of your travel research, do scam checks by looking up unfamiliar retail, travel and services websites by searching online for their names along with terms like “scam,” “complaints” or “reviews.”Chase advises using a credit card to book travel so that if an issue arises, you can dispute it.What to do if you fall victim to a scamVideo below: Steps to take immediately after falling for a scamStop communication: Discontinue all contact with the scammer immediately to prevent further damage.Document everything: Take note of all relevant information, including the scammer’s contact details and any information that may be useful when reporting the incident.Contact your bank: Report the incident and verify recent transactions to ensure there is no fraudulent activity on your account.Report the incident: File a police report or an inquiry to the Federal Trade Commission for official documentation.Monitor for identity theft: Sign up for credit and identity monitoring to receive alerts when your personal information has been leaked in a data breach or shows up on the dark web.Change your passwords: Update your online accounts by creating strong passwords, particularly if the scam involved accessing your personal information.Share your experience: Let friends and family know what happened to raise awareness about the signs of scams and help others avoid falling victim. Remember that financial scams can, and do, happen to anyone, so don’t feel embarrassed.Remain on high alert for follow-up scams: Scammers might attempt to target you again, especially if they know you’ve fallen victim before. Be cautious of unsolicited communications.
Scammers particularly use the holiday season to steal your money and information.
Hoping consumers will let down their guard, or just trying to spoof legitimate businesses, scammers will do everything they can to take advantage of your vulnerability or generosity.
Chase and the Baltimore Police Department recently hosted a scam education event to show consumers how to protect themselves. Some of their tips are listed below.
Holiday shopping: What to know
Shop with trusted retailers: Stick to reputable websites when shopping online. If you’re unfamiliar with a store, search for its name along with terms like “scam,” “complaints” or “reviews” to uncover any red flags.
Verify website URLs: Scammers can create fake websites that look like legitimate retailers. Ensure the URL starts with “https://” as the “s” stands for secure. Avoid clicking links from unsolicited emails or texts.
Beware of unrealistic deals: Scammers lure buyers by offering massive discounts on popular or sold-out items. If a deal seems too good to be true, it’s likely a scam.
How you pay matters: Credit cards and debit cards offer different protections than cash or payment transfer apps, like Zelle and Venmo. Remember, only use apps like Zelle to pay others you know and trust.
Shopping on public Wi-Fi: Avoid connecting to public Wi-Fi when making an online purchase. Scammers can intercept your personal information on unsecured networks.
Use digital tools: Trusted financial institutions offer credit and identity monitoring, including alerts to inform you when your data is exposed in a data breach or on the dark web.
Online deals that are too good to be true
When shopping online or on social media, buy only from trusted websites and vendors. If purchasing on a marketplace, stay on the platform to complete transactions and communicate with sellers, as protections often only apply when you use the platform.
Use payment methods that offer buyer protection. Never send money to strangers, particularly via payment-transfer apps like Zelle or Venmo, for purchases, especially when you can’t confirm the goods exist.
Missed packages or problems with delivery
Expecting a package? Be cautious of phishing messages through email or text message that impersonate delivery services, like the U.S. Postal Service, UPS or FedEx, with links to view “missed deliveries.”
These links may lead to fake sign-in pages to capture your actual password or to malware-infected sites.
Do not respond to messages requesting personal or financial information, including money or cryptocurrency. Be wary of unexpected packages and avoid scanning QR codes, as they may be attempts to steal your information.
Scams: Fake refunds, quishing, phishing/smishing, whaling
Refund scams: Another scam doesn’t demand payment. Instead, it dangles a refund, sometimes via text messages posing as official messages from “Department of Taxation,” urging recipients to “click here to claim your refund.” The texts look legitimate at a glance, but they are designed to lure you into tapping a fraudulent link and handing over personal information.
Cybersecurity experts are warning about scammers using QR codes to take advantage of unsuspecting victims. The practice called “quishing” uses a QR code that sends you to a dummy website to get your information — and money.
When it comes to phishing, the term is more widely known, but people are still falling for it. Phishing emails or texts (known as “smishing”) attempt to trick a recipient into clicking a suspicious link, filling out information or downloading a malware file.
Whaling attacks generally target leaders or other executives with access to large amounts of information at an organization or business. Whaling attacks can target people in payroll offices, human resources and financial offices as well as leadership.
Video below: An expert’s tips to avoid falling for QR code scams
Gift card scams
Be cautious about buying gift cards from third-party sites. Scammers will pre-save card details or sell expired cards.
Don’t respond to an unsolicited email or text message offering you a gift card because it’s often a way to track your online activity.
Don’t fall for scammers asking you to pay for services or goods using gift cards.
Video below: Guide to selling gift cards securely online
Phony charities
The holidays are also a season of giving, but before you donate money, double-check the contact and payment information for a charity.
Beware of text, email or phone call solicitations. Like any other unsolicited message, don’t click on links or open attachments because they may contain malware or try to steal your information.
Travel scams
Scammers try to mimic or impersonate popular travel websites by recreating familiar branding, logos or company verbiage.
As part of your travel research, do scam checks by looking up unfamiliar retail, travel and services websites by searching online for their names along with terms like “scam,” “complaints” or “reviews.”
Chase advises using a credit card to book travel so that if an issue arises, you can dispute it.
What to do if you fall victim to a scam
Video below: Steps to take immediately after falling for a scam
Stop communication: Discontinue all contact with the scammer immediately to prevent further damage.
Document everything: Take note of all relevant information, including the scammer’s contact details and any information that may be useful when reporting the incident.
Contact your bank: Report the incident and verify recent transactions to ensure there is no fraudulent activity on your account.
Report the incident: File a police report or an inquiry to the Federal Trade Commission for official documentation.
Monitor for identity theft: Sign up for credit and identity monitoring to receive alerts when your personal information has been leaked in a data breach or shows up on the dark web.
Change your passwords: Update your online accounts by creating strong passwords, particularly if the scam involved accessing your personal information.
Share your experience: Let friends and family know what happened to raise awareness about the signs of scams and help others avoid falling victim. Remember that financial scams can, and do, happen to anyone, so don’t feel embarrassed.
Remain on high alert for follow-up scams: Scammers might attempt to target you again, especially if they know you’ve fallen victim before. Be cautious of unsolicited communications.
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